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Auto insurance quotes comparisons for Florida Read this and Save 40% or more on your car insurance quotes comparisons for Florida by doing these three simple steps. You will be happy you took the time to learn how to save money on your automobile insurance.
Florida is a warm State and Florida is also a State where if you drive a car you must have insurance on that car or you are going to face a stiff fine. If you happen to get pulled over by a police officer for any reason, he or she is going to ask you for three things, your drivers license, your automobile registration, and your proof of insurance card.
The reason for this is because the people in Florida want to make sure that if somebody is out there on the road, driving their car and causes an accident, somebody else is not going to have to suffer financial loss because of that mishap.
I live here in Florida and am glad that the cost of automobile insurance in Florida is only $81 above the national average which is pretty much in line the cost everything else in Florida. Rates however just went up this past week as we got a notice in the mail about the cost of our insurance.
Florida has a no-fault system for insurance which means that your insurance company will pay for your injury claims it does not matter who is at fault. I like this program because I do not have to worry about uninsured drivers.
In addition to property damage liability coverage within the minimum of $10,000 we who live here in Florida are also required to have personal injury protection with a $10,000 limit.
If you are in the market for buying car insurance in Florida there are steps you can take to save money or your insurance.
Do these 4 simple steps.
1. Check your credit score.
Make sure your credit score is high and if you have not been paying your bills on time do this. Paying your bills on time for at least three months before you apply for car insurance will raise your credit score.
Another thing you can do to raise your credit score is check for errors and omissions because many times payments are not enter on your report and you will not get credit for them.
Another thing to be concerned about is identity theft. If someone has stolen your identity and has been buying things on credit by using your Social Security number this will reflect on your credit score and you may not even know about it. If this is the case report to the proper authorities and have the wrong information removed from your credit report before you apply for car insurance.
2. Install safety features.
If you have seat belts, air bags and an antitheft device in your car this will lower the car insurance price. These optional features can be very expensive to install on older cars although almost every car on the road right now has seat belts.
3. Just buy liability automobile insurance.
If you drop the comprehensive insurance and just go with liability insurance, your price will be 20% lower. You can only do this if your car is paid for. If your car is financed the bank or credit union will insist that you carry comprehensive insurance to protect their investment in the event your car is damaged.
4. Raise your deductible.
If you raise your deductible to $1000 or even up to $1500 per accident you will experience a 40% drop in your car insurance costs. You should only consider doing this if you have enough money in the bank to me any out-of-pocket expenses should you cause an accident with property damage or injuries.
5. Now that you have learned how to save money, go online and do some comparison shopping with at least three different companies who can search for the best policy that will meet your needs at the lowest price. Then take the time to shop and apply available discounts you will save a substantial amount of money on the cost of your insurance.
Auto insurance quote comparisons for Florida can be less money if you will do these simple things and you will be happy because you will have lowered your car insurance prices.
Jim Kibler has a extensive background in sales, financial increase and business and was an top producing insurance agent. Jim believes most people are paying much more money than necessary for insurance.
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